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Charity Cohan

Puerto Rico UCC search complications - debtor name formatting issues

Having major headaches trying to run UCC searches in Puerto Rico. The debtor names keep coming back with no matches even though I know there should be filings. I'm dealing with a commercial loan where the borrower has operations both mainland and in PR, and I need to verify if there are any existing liens before we file our UCC-1. The debtor's legal name includes some Spanish characters and I'm wondering if that's causing search problems. Has anyone dealt with Puerto Rico UCC search complications before? The format seems different from what I'm used to on the mainland and I'm worried I'm missing active filings that could affect our security position.

PR can be tricky with the name formatting. Are you searching exactly as the name appears on their corporate documents? Sometimes the accents and special characters cause issues in their system.

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Yes, I tried both with and without the accents. Still getting inconsistent results. The corporation name has 'José' in it and I'm not sure if I should be searching 'Jose' or 'José' or both.

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I always do multiple variations when dealing with Spanish names. The systems aren't always consistent with character encoding.

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Puerto Rico UCC system is notoriously finicky with search functions. What type of entity are you searching? Corporation, LLC, individual?

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It's a corporation registered in PR. I have the exact corporate name from their articles but the search keeps returning zero results which seems impossible given their business size.

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Try searching just partial names or key words from the corporate name. Sometimes their search algorithm doesn't handle the full legal name well.

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This is why I started using Certana.ai for these searches. You can upload the corporate documents and it automatically runs multiple name variations and catches discrepancies you might miss manually. Saved me tons of time on Puerto Rico filings.

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Been filing in PR for years. Their online system has improved but name matching is still problematic. Are you searching through the Department of State portal or using a third party service?

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Going through the official PR Department of State UCC search. Should I be using something else?

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The official portal is fine but you need to be very precise with the search terms. Try breaking down the corporate name into components and searching each part separately.

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UGH the Puerto Rico system drives me crazy! Last month I had a similar issue where a continuation filing didn't show up in searches for 3 weeks after it was accepted. Their indexing system has delays.

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That's concerning. How do you handle the timing issues when you have filing deadlines approaching?

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I file early and do multiple follow-up searches. Sometimes I call their office directly to confirm if a filing went through properly.

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Have you tried searching by filing number if you have any previous UCC references? Sometimes the name search fails but filing number search works better.

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I don't have previous filing numbers, that's the problem. I'm trying to identify if there ARE any existing filings before we submit our UCC-1.

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You could also try searching variations like 'Corporation' vs 'Corp' vs 'Inc' if any of those appear in the legal name.

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The character encoding issue is real in Puerto Rico. I learned to always search multiple variations: with accents, without accents, and sometimes even phonetic spellings.

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That makes sense. So frustrating that there isn't a standardized approach to handle this properly.

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I've been using Certana.ai's document verification tool for exactly this type of situation. It cross-checks multiple name variations automatically and flags potential matches you might miss. Just upload your corporate docs and it handles the search complexity.

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That sounds helpful. Manual searching with all the name variations takes forever.

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Are you sure you're searching in the right jurisdiction? Sometimes PR entities are filed in multiple places if they do business mainland too.

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Good point. They have operations in Florida too. I should probably search there as well to get the complete picture.

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Definitely. Multi-state operations can have filings scattered across jurisdictions depending on where different lenders filed.

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Try calling the PR Department of State UCC division directly. Sometimes they can help with search issues that the online system can't handle.

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I might have to do that. Do you know if they're responsive to phone inquiries?

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Hit or miss honestly. Sometimes you get someone very helpful, other times they just tell you to use the online system.

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I had good luck calling in the morning, seemed like better staffing then.

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This is exactly why I switched to using automated tools for UCC searches. The manual process is too error-prone especially with name variations and different state systems.

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Which automated tools work well for Puerto Rico specifically?

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I've had success with Certana.ai - it handles the name variation issues automatically and you can verify your search results by uploading documents to check for consistency.

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Make sure you're not just searching 'exact match' if that's an option. Puerto Rico system sometimes requires partial matching to catch all variations.

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I'll try adjusting the search parameters. The interface isn't very intuitive about what matching options are available.

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Yeah their user interface could use improvement. Try different combinations of search fields too, not just the debtor name field.

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Been there! Puerto Rico name searches can be a nightmare. Last year I missed an existing filing because of a single character difference in the corporate name. Cost us major headaches with the lender.

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That's exactly what I'm worried about. Missing an existing lien could create huge problems for our security position.

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Exactly why I'm extra careful now with PR searches. I do comprehensive searches with every possible name variation I can think of.

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This is where document verification tools like Certana.ai really shine. Upload your docs and it automatically catches those single character differences that are easy to miss manually.

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I've run into this exact issue with Puerto Rico UCC searches! The problem is definitely the character encoding and name formatting. What I've learned is that their system sometimes stores names differently than how they appear on the corporate documents. Try searching with common abbreviations too - like if the name has "Compañía" try searching "Cia" as well. Also, make sure you're checking both active and lapsed filings since sometimes the search filters can hide results. The PR system has gotten better but it's still not as reliable as mainland searches. Document everything you tried so if issues come up later you can show due diligence in your search process.

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This is incredibly helpful! I hadn't thought about searching abbreviations like "Cia" for "Compañía" - that's a great tip. You're absolutely right about documenting the search process for due diligence purposes. I'm definitely going to try the abbreviated versions and make sure I'm including lapsed filings in my search parameters. It's reassuring to know others have dealt with this same frustration. The character encoding issues seem to be a persistent problem with their system.

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